Administered by United Healthcare

There’s nothing more important than your health. And, because each person’s health care needs are different, Preferred Pump offers two medical plan options through United Healthcare: the HSA Plan and Copay Plan.

Summary of Benefits and Coverage

• High Deductible Plan SBC 
• Copay Plan SBC

Learn More:

• High Deductible Plan
• Copay Plan
• Virtual Visits

Administered by Wex

An HSA is a healthcare savings account held at a bank for you to set aside pre-tax contributions. HSA contributions can be used now or later for medical, prescription, dental, and vision expenses. If you do not spend HSA dollars in a plan year, the money in your account may accumulate through investments free of taxes.

HSAs offer a triple tax advantage:

• Tax-free contributions
• Tax-free earnings
• Tax-free withdrawals (when used for eligible expenses)

If HSA funds are used for non-qualified expenses, you may be charged a 20% penalty tax. Save your receipts!

At retirement age, funds can be withdrawn and used for any reason - normal taxes would just be paid.

If you leave your current employment, you may use your HSA funds to pay for COBRA premium.

Key HSA Points

• HSA limits include the amounts of employer funding and matching as well as the employee contributions. It is the employee’s responsibility to keep track of the total amount as to not exceed the limits.

2026 HSA Maximum Contribution Amounts

• Individual: $4,400
• Family: $8,750
• Catch-Up Contribution (age 55 and older): $1,000

Catch up Contributions

Participants age 55 or older can make an additional $1,000 contribution to their account. Participants may be Medicare eligible however must not be enrolled in Medicare.

Qualified Expenses

Healthcare costs that are not reimbursed by insurance and are out of pocket costs for medical, prescription, dental, or vision.

Open Enrollment Toolkit

For more information and to access the Open Enrollment Toolkit, visit www.wexbenefitsyou.com/openenrollment/

Who is NOT eligible to make contributions to an HSA?

• An employee not covered by a qualified HDHP on the first day of the month
• An employee claimed on someone else’s tax return
• An employee covered by any other non-HSA compatible health plan, including Medicare Parts A and B
• An employee receiving health benefits under TRICARE
• An employee that has received Veterans Administration (VA) benefits within the 90 days
• An employee covered by a general purpose health care flexible spending account (FSA) or Health Reimbursement Account (HRA)

Sleep Better, Move More, Eat Healthier, and Feel Great
Preferred Pump & Equipment has developed a wellness program that is meant to support your over-all well-being. Complete the following actions and earn rewards!

Here’s how your wellness incentive program works
Through UHC Rewards, you can access the health and wellness activities available to you. For each Health Action you complete, you can earn financial incentives through your employer Preferred Pump & Equipment. Complete the following actions between 1/1/2026 – 12/31/2026.

To get started, go to myuhc.com® or download the UnitedHealthcare® app
> sign in or register > select UHC Rewards > activate UHC Rewards

click image to enlarge

Administered by United Healthcare

Your benefits include personalized digital tools that help you check in on your plan whenever you want — which helps make it easier to stay on top of your benefit details.

• Information on specific plans.
• Help finding participating doctors and other health care professionals.
• Comparisons of all United Healthcare products and resources available to you.

The United Healthcare network for these plans is Choice Plus.  You can conduct a medical provider search by visiting www.myuhc.com and searching under the Choice Plus network.

Activate your myuhc.com account

When it comes to managing your health plan, myuhc.com® lets you see what’s covered, manage costs and so much more. To help everyone get more from their plan, it’s important that each member age 18 and over consider creating their own account.

Use myuhc.com to:

• Find and estimate the cost of care
• See what is covered under your plan
• View claim details
• Check your plan balances
• Find network providers
• Look up the cost of medication

Get started today

• Go to myuhc.com > Register Now
• Have your ID card handy and follow the step-by-step instructions

Download the UnitedHealthcare app: The UnitedHealthcare® app puts your health plan at your fingertips. 

Download the UnitedHealthcare app to:

• Find nearby care options in your network
• See your claim details and view progress toward your deductible
• View and share your health plan ID card with your doctor’s office
• Video chat with a doctor 24/7

Simple way to help you save

Here are a few good-to-know things you can do to help get more out of your health plan.

Stay in the network: The doctors and facilities in the network may have agreed to provide services at a discount — so visiting an out-of-network provider could end up costing you more for care or may not be covered at all.

Sign in to myuhc.com > Find Care & Costs to locate:

• Labs
• Hospitals
• Mental health professionals
• Network providers

Look up the cost of medication: Sign in to myuhc.com > Pharmacies & Prescriptions to find information about your medication, pricing and lower-cost options.

See your plan in action: Watch your personalized video for another way to understand your coverage, out-of-pocket costs and how your plan* works. Watch (and re-watch) anytime by signing in to myuhc.com > Coverage & Benefits.

Shop around: With such a wide variety of services, from minor procedures to major surgeries, it’s a good idea to check approximate pricing first. Visit myuhc.com > Find Care & Costs to estimate your costs.

Administered by United Healthcare

Say hello to Optum RX
Optum Rx® pharmacy services help make it easier to save on medications and keep track of them, too—whether you’re online or on the go.

Manage your meds
When you go to myuhc.com> Pharmacies & Prescriptions you can:

• Find and compare medication costs
• Locate a network pharmacy
• See if your medications have any requirements before filling them

Two ways to fill your prescriptions

• Use home delivery: Order up to a 3-month supply of medications you take regularly.* Sign up on myuhc.com, use the UnitedHealthcare app or call the member phone number on your ID card. Make sure you have at least a 1-month supply to cover you through the transition.
• Pick up at the pharmacy: Show your ID card at any network pharmacy—which can be found by checking the Pharmacy Locator at myuhc.com, on the UnitedHealthcare app or by calling the member phone number on your ID card.

Keep costs in check
Your Prescription Drug List (PDL)—available on myuhc.com—lists the most commonly prescribed medications covered by your plan. Choosing medications in the lower tiers may help you save money. And, consider generic medications instead of brand names which may keep costs down.

Explore pharmacy benefits
Learn how Optum Rx is designed to help make it easier for you to manage and save on medications.

Administered by United Healthcare

Receiving regular dental care can not only catch minor problems before they become major and expensive to treat - it may even help improve your overall health. Gum disease is increasingly being linked to complications for pre-term birth, heart disease, stroke, diabetes, osteoporosis and other health issues. Regular full-time employees may purchase this coverage. Your plan allows you to see any licensed dentist, but using an in-network dentist may minimize your out-of-pocket expenses.

The United Healthcare network for these plans is National Options PPO 30. You can conduct a dental provider search by visiting www.myuhc.com and searching under the National Options PPO 30 network.

Click here to learn more!

Administered by VSP

Voluntary Vision Insurance Eye care is about more than just getting glasses or contacts. Eye exams can catch early warning signs of serious health conditions. Regular full-time employees may purchase this coverage. When you enroll yourself and/or your eligible dependents in this benefit, you pay the full cost of coverage through semi-monthly payroll deductions. ID cards are not mailed to member homes.

Therefore, please visit www.vsp.com to register as a member and access a vision ID card through the portal to choose either prescription eyewear coverage, or use your frame and lens allowance toward the NEW ready-to-wear non-prescription sunglasses or non-prescription blue light filtering glasses. Click here to learn more about Blue Light Coverage.

Click here to learn more!

Administered by Prudential

Basic Life Insurance

Preferred Pump provides regular full-time employees with a minimum of $20,000 of life insurance and pays the full cost of this coverage.

Voluntary Term Life Insurance

Employees who want to supplement their group life insurance benefits may purchase additional coverage. When you enroll yourself and/or your dependents in this benefit, you pay the full cost through semi-monthly payroll deductions. You can purchase coverage on yourself in $20,000 increments and your spouse in $10,000 increments up to a maximum amount of $500,000 for an employee and $100,000 for your spouse. Rates below also include AD&D.

Evidence of Insurability

Existing Participants will be required to complete an Evidence of Insurability form if the increase in benefits requested during the open enrollment period exceeds $20,000 or goes beyond the Guarantee Issue amount.

*The Guarantee Issue limit is $140,000 for an employee; for their spouse it’s $30,000 and children it’s $10,000

Life Insurance Calculator

Life Insurance is an important way to help promote your family’s financial health should anything happen to you. Click here to find out how much coverage you may need.

Click here to learn more!

Voluntary Short-Term Disability
Administered by Prudential

Regular full-time employees, with under 10 years of service, may purchase short term disability income benefits. When you enroll in this benefit, you pay the full cost of the coverage through semi-monthly payroll deductions. In the event you become disabled from a non-work related injury or sickness, disability income (non-taxable) benefits are provided as a source of income for the first 12 weeks of disability. If you have had 10 or more years of service with Preferred Pump, Short Term Disability is provided to you (at no cost). This no cost benefit, if paid due to disability, will be taxable income. Depending on where you live, you may be eligible for state disability insurance and/or Some states offer state disability programs you may be eligible for.

Long-Term Disability
Administered by Prudential

Preferred Pump provides regular full-time employees with long term disability income benefits, and pays the full cost of this coverage. In the event you become disabled due to an injury or sickness, disability income benefits are provided as a source of income.

Disability Calculator

Disability Insurance replaces a portion of your income, helping to alleviate financial stress of paying for day-to-day expenses while you’re recovering. Click here to find out how much coverage you may need.

Click here to learn more!

Administered by Prudential

Since accidents can happen at any time, it’s important to be prepared. This policy can help cover the out-of-pocket costs associated with an accident (on and off-the-job), by paying you a benefit depending on the injuries you suffer and the treatment you receive. You can use the money as you see fit, whether to pay for expenses associated with your accident, like an emergency room copay, or to pay for childcare so you can get to the doctor for a follow-up visit. This benefit is paid in addition to what your medical plan may provide and is available for you, your spouse, and your children. Regular full-time employees may purchase this coverage.

• Hospital confinement benefit now included for up to 365 days per covered accident
• Child sports injury benefit
• Child care benefits
• Full spectrum of surgical benefits for covered accidents
• Therapy benefits including physical, occupational, speech, and more

Administered by Prudential

Critical Illness Insurance provides you with a lump-sum cash benefit in the event you or a loved one is diagnosed with a covered condition such as cancer, heart attack, or stroke. It can help provide financial protection so you can focus on what’s really important — getting better. Regular full-time employees may purchase this coverage.

How the Plan Works
Below is an example of how benefits might be paid.**

1. Joe elects $20,000 of coverage.
2. Three months after his annual wellness exam, Joe suffers a heart attack.
3. Three years later, he is diagnosed with cancer.

Joe’s Critical Illness policy provided the following benefits:

• Heart Attack Benefit: $20,000
• Cancer Benefit: $20,000
• Total Benefits: $40,000

**This example is for illustrative purposes only; your actual benefits may differ.

Administered by Prudential

Even with health insurance, a stay in the hospital can become costly quickly as out-of-pocket charges begin to add up. Hospital Indemnity Insurance can reduce the financial and emotional stress of a hospital stay by providing a lump-sum cash benefit directly to you that can be used however you need, whether that’s for coinsurance or childcare. This benefit is paid in addition to what your medical plan may provide and is available for you, your spouse, and your children and can be used regardless of pre-existing conditions, without undergoing a health exam. Regular full-time employees may purchase this coverage.

Administered by LegalShield

LegalShield has been offering legal plans for over 50 years. With LegalShield by your side, you’ll have unlimited access to a quality law firm 24/7, for covered personal situations.

Benefits and Services (Worry-Free of Additional Cost)

• Unlimited, Same-Day Attorney Consultation & Advice (not just assessment & referral)
• Unlimited Intervention letters or phone calls on member’s behalf
• Unlimited Document Review - 15 pages, including letters, contracts, etc...
• Growing Major Trial Defense Hours from 60 to 300 Hours
• Mortgage Document Preparation as Required by Lender
• Customized Will prepared by the lawyer
• Traffic Ticket Representation
• Tragic Accident Defense - Involuntary Manslaughter, Vehicular Homicide, etc...
• IRS Audit Services - 50 Hours
• 24/7 Emergency, After-Hours Access
• FAMILY LAW- Uncontested Name-change, Adoption, Divorce
• 25% off for Bankruptcy, DUI, probating a parent’s will, and the like, etc...
• Nation-wide & Every area of law
• Spouse and Dependents No Extra Cost
• JOIN LegalShield: ONLY $9.48/paycheck

Stand-Alone IDShield Available with or without LegalShield

• Privacy Management
• Reputation Management to remove damaging social media content
• Social Media Monitoring
• Continuous Credit Monitoring with alerts!
• Financial Threshold Account Monitoring
• Monthly Credit Score Tracker - with a running 12-month history view
• 24/7 Assistance
• $1 Million ID Fraud Protection-Covers lost wages, elder/child care, travel, trial defense fees, stolen funds via electronic transfers related to a stolen ID event
• Unlimited Service Guarantee - We don’t give up until your identity is restored! Your licensed private investigators will do whatever it takes as long as it takes!
• JOIN IDShield: Family Coverage - Only $9.48/paycheck (add to LegalShield for a $4.00/month discount)
  Employee Only - $4.48/paycheck

Please note: The LegalShield benefit options are not available to enroll through ExponentHR. To get more information and join LegalShield or IDShield, please enroll online or by phone.

• Join Online:
  At legalshield.com/info/preferredpump
• Join By Phone:
  Call Phil Ernest at 817.269.2653

Administered by Alliance Work Partner

AWP is proud to serve as your EAP, offering you and your household valuable, confidential services at no cost to you. Your benefits are designed to help you manage daily responsibilities, major events, work stresses, or any issue affecting your quality of life.

Click here to learn more!

Administered by Principal

Your 401(k) can help you achieve the retirement you want — a future focused on what you want to do instead of what you have to do. Get started today and use the tools to help you invest for the retirement income you may need.

Click here to learn more!

Our Employee Stock Ownership Plan (ESOP) is a retirement benefit that releases stock in Preferred Pump & Equipment into employee accounts each year. The size of the ESOP benefit that you will enjoy is tied to the long-term performance of our company. This employee-ownership structure brings you these advantages:

You don’t pay for our ESOP

Employees who work at least 1,000 hours a year and remain employed with Preferred Pump earn annual contributions of company stock in their ESOP accounts. You don’t pay for the ESOP allocations out of your own pocket. This is an additional benefit that is fully paid by Preferred Pump & Equipment.

ESOP and a 401(k) work well together

It is important to keep making your own contributions to our 401(k) because it provides a diversified foundation for your retirement. The ESOP adds a unique wealth building component that most American workers do not have. Employees in the United States who have an ESOP are likely to have 2.2 times as much in retirement savings as those who work in company without employee ownership. Some of this is because these companies tend to have a 401(k) plus an ESOP. The two plans work well together because they grow in very different ways. The 401(k) fluctuates with the public markets or investments you choose. Our ESOP changes based on the performance of Preferred Pump & Equipment.

ESOP accounts can grow like no other retirement: ESOP accounts tend to start out very small and grow over time. The account changes because of two things:

1. Annual allocations
2. Changes in value. The value of the stock in an ESOP can change very quickly because it is stock in one company. While there are no guarantees with stock value, the potential is tremendous in a healthy company like ours. When a company repays borrowed money from the original acquisition and continues to perform, it becomes more valuable making the ESOP value grow.

You are rewarded for company success
The ESOP was created to reward employees and sustain Preferred Pump & Equipment for many years into the future. Our company’s history has shown that a positive, fun, supportive culture combined with outstanding customer service is a recipe for success. If you take pride in your work, take care of our business, and make our customer service your top priority — you are doing the things that grow our ESOP’s value.

Steps to ESOP Rewards: This means that our employees receive an additional retirement benefit -- our Employee Stock Ownership Plan (ESOP). Below are the basic steps to earning ESOP rewards:

1. Enter the plan. You do not have to sign up for the ESOP. You automatically become eligible after you have worked for our company at least 12 months (minimum 1,000 hours in that year) and are at least 20½ years old. After meeting these requirements, you enter the plan on the next January 1 or July 1. One exception: those who met these requirements in the first year on 12/31/19, entered the plan retroactively on 1/1/19. Once you enter, your account can receive contributions.
2. Earn contributions. You do not pay for our ESOP. Your account will receive a contribution each year if you who worked at least 1,000 hours in the calendar year, and you are still employed on December 31. This company-paid contribution is allocated based on your W-2 compensation as a proportion of all participants’ compensation. The more years you work for PPE the more shares you can accumulate.
3. Become vested. Like most retirement benefits, our ESOP requires that you work a period of years to earn the right to take your full value with you when you are eligible for a distribution. You earn 20% vesting per year starting in year 2. After six full years, you become 100% vested in your account. A Year of Vested Service is any calendar year in which you work 1,000 hours or more.
4. Grow stock value. The value of the stock allocated to your account will change one time a year, based on an independent appraisal. It can go up or down. Our initial per share value is very low because our ESOP bought the stock with borrowed money. As PPE repays the acquisition debt and continues to perform well, we anticipate significant growth in the value. Your job-level performance – working safely, sustaining great relationships, and focusing on outstanding service – directly affects the health of our business and, in turn, the value of your ESOP benefit.
5. Receive a distribution. Our ESOP is one part of retirement benefits. You receive the fair market value of the account after retiring or otherwise leaving employment.

Click here to view the carrier contact sheet.